Your Coverage Options
More coverage, higher limits, and lower deductibles raise your prices, while fewer coverages, lower limits, and high deductibles lower your prices.
Your Credit Score (in Most States)
In every state except Massachusetts, California, Hawaii, and Michigan, car insurance companies give higher rates to those with bad credit. Statistically, people with bad credit are more likely to be expensive for insurance providers.
Your Driving Record
Someone with a spotty driving history full of at-fault accidents, tickets, and/or DUIs in the past five years will pay more for insurance than someone with a clean driving record.
Your Gender (in Most States)
In every state except Massachusetts, California, Hawaii, Michigan, Montana, North Carolina, and Pennsylvania, men pay more for car insurance.
Auto insurance costs are highest for teens and decrease around age 25. As you age, you gain more driving experience, making crashes less likely. See how your rates could change with a company like Progressive below.
||Progressive average yearly rates, September 2020 to August 2021
|17 and under
|75 and over
Your Marital Status
While there’s no direct correlation between marital status and crash likelihood, married people are less likely to have claims than single, separated, widowed, or divorced people. Therefore, you might see lower car insurance costs after you get hitched.
Your Homeownership (or Lack Thereof)
Homeowners are less likely to have claims, and therefore pay less for insurance than renters.